Important Information:

Lendal Mortgages Limited operate as a Financial Advice Provider (FAP) under a current license issued by the Financial Markets Authority in the name of NZ Financial Services Group Limited (FSP286965).

Details about FAP:

Name of FAP: Lendal Mortgages Limited
Trading As: Lendal Mortgages
FSPR Number: 1000734
Address: 2 Broderick Road, Johnsonville
Phone: 027 413 4097

Financial advisers who give advice on behalf of Lendal Mortgages Limited:

Full Name: Matthew Carr
Address: 2 Broderick Road, Johnsonville
Phone: 027 413 4097
FSPR number: 1000445

Our services:

We provide advice to Lendal Mortgages Limited clients on:

  • Residential Mortgages
  • Commercial Mortgages
  • Development Loans
  • Business Loans
  • Personal/unsecured Loans
  • Equipment finance

Our lending/mortgage providers:

Lendal Mortgages Limited has access to the following lenders:

  • ANZ
  • ASB
  • BNZ
  • Westpac
  • The Co-Operative Bank
  • SBS Bank
  • Bluestone/Select
  • Resimac Home Loans
  • Pepper Money
  • Liberty Financial
  • ASAP Finance
  • CFML Loans
  • Basecorp Finance
  • DBR Property Financiers
  • Southern Cross Partners
  • SBS Bank
  • Cressida Capital
  • First Mortgage Trust
  • Heartland Bank 
  • Avanti Finance
  • NZCU

On occasion we might have to go to alternative lenders. In these circumstances the commission we are paid will be disclosed to the client along with the rational for using these lenders will be clearly explained.


On settlement of a loan we usually receive commission from the applicable product provider.  The commission is generally of an upfront nature but may also include a renewal or trail commission.

This commission is used to remunerate the financial adviser that provides the advice, and to pay the expenses associated with running our business. From this commission we also pay NZ Financial Services Group Limited for services they provide to us in connection with our authorisation under their licence from the Financial Markets Authority.

We take steps to ensure that the receipt of commissions does not influence the advice we give to you and that our advisers prioritise your interests by recommending the best product for your purpose regardless of the type and amount of commission we or they may receive. We do this by:

  • Ensuring our advisers follow an advice process that ensures they understand your needs and goals and that their recommendations on mortgage and insurance options meets those needs and goals.
  • Ensuring our advisers receive regular training on how to manage conflicts of interest.
  • Providing you with a schedule showing commission amounts and types by product provider. This schedule is contained within each Financial Adviser’s personalised Disclosure Guide. A Financial Adviser will provide you with more information about commissions during the advice process.

Our fees:

Generally we won’t charge any fees for the financial advice we provide you. This is possible because on settlement of a loan, the financial adviser usually received commission from the lender.

Any exceptions to this general position will be outlined prior to going through the loan application procedure. Fees might occur on bridging loans, development loans or non-bank loans.

Conflicts of Interest:

If there are any conflicts of interest apart from commission that could potentially influence the advice that we give, these will be shown in your Financial Adviser’s Disclosure.

Complaints and Dispute Resolution:

We are always looking for ways to improve the service we provide you, so if something has gone wrong, please let your adviser know so they can try to put it right.

If you have a complaint about the service you’ve received from the Adviser Business or its Financial Advisers you can contact the Adviser Business’s internal complaints service by phone on 027 413 4097 or emailing us at with the heading Complaint - (Your Name).  

Please set out the nature of your complaint, and the resolution you are seeking.

We will aim to acknowledge receipt of this within 24 hours and will then record your complaint in its Complaints Register, notify our Licence Holder. We may want to meet with you to better understand your issues.

We will then investigate your complaint and provide a response to you within 10 working days of receiving your complaint. If we need more time to investigate your complaint, we’ll let you know.

If we cannot agree on how to resolve your complaint, you can contact Financial Dispute Resolution Service (FDRS). FDRS are an independent, not-for-profit, external dispute resolution scheme approved by the Minister of Consumer Affairs.

FDRS’s service does not cost you anything and they will help resolve the complaint.

You can contact FDRS:
Phone: 0508 337 337 (International callers +64 4 381 5047)
Website: /
In writing to: FDRS, Freepost 231075, PO Box 2272, Wellington 6140


Anyone within the Adviser Business giving financial advice is bound by and supports the duties set out in the Financial Markets Conduct Act 2013.

These duties are:

  • Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers.
  • Give priority to your interests.
  • Exercise care, diligence, and skill.

This Disclosure Statement was last updated in April 2022.